| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GULF COAST INSURANCE AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | $107K | $12K | $119K | 0.98% |
| KIM S MILLER3 Filed as: KIM S. MILLER | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.67% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $710 | — | $710 | 0.13% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 12.59% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.41% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.27% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | STE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $345 | — | $345 | 0.17% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.52% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | STE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 0.19% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.15% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.92% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | — | $230 | 0.58% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.19% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $682 | — | $682 | 2.33% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.19% |
| KIM S MILLER3 | 2860 IH E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.71% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $719 | — | $719 | 3.34% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 4.65% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2 | — | -$2 | -0.02% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 1.02% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPT | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.17% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.83% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.16% |
| KIM S MILLER3 | 2860 IH 10E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261 | — | $261 | 7.95% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | SUITE 345 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $169K |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $807K |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $807K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,218 | $12.2M |
| Other(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,218 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.